| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.4 pts |
| Loan growth (YoY) | -2.6% | -2.6% | -0.0 pts |
| ROA | 1.61% | 0.65% | +1.0 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $960K | $704K | $321K | $256K | $8K | 1.61% | 4.33% | 0.00% | 132 |
| Q1 2026 | $922K | $668K | $338K | $254K | $5K | 2.24% | 4.78% | 0.00% | 132 |
| Q4 2025 | $911K | $663K | $361K | $248K | $5K | 0.55% | 3.73% | 0.00% | 132 |
| Q3 2025 | $935K | $686K | $328K | $249K | $5K | 0.75% | 3.60% | 0.02% | 136 |
| Q2 2025 | $941K | $695K | $330K | $246K | $3K | 0.62% | 3.30% | 0.02% | 137 |
| Q1 2025 | $930K | $685K | $345K | $245K | $2K | 0.79% | 2.90% | 0.00% | 137 |
| Q4 2024 | $920K | $676K | $229K | $243K | $3K | 0.28% | 3.23% | 0.00% | 140 |
| Q3 2024 | $922K | $679K | $201K | $243K | $2K | 0.33% | 3.25% | 0.59% | 140 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $929K |
| $685K |
| $218K |
| $244K |
| $3K |
| 0.58% |
| 3.34% |
| 0.55% |
| 140 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $321K · securities $153K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 80.6% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Orleans, LA, ranked 48th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orleans, LA | 2 | $704K* | 0.00% | 48th |
Louisiana: 255th with 0.00% · New Orleans-Metairie metro: 73rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2